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National Insurance Company vs Tata AIG General Insurance: IRDAI Data Comparison

General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison

MetricNational Insurance CompanyTata AIG General InsurancePeriod
mutual funds(size)117077 INR_lakhs214987 INR_lakhsQ1 FY26-27
other segment premium(size)14971 ₹ lakh20479 ₹ lakhQ1 FY26-27
Individual Agents premium(size)149079 ₹ lakh117253 ₹ lakhQ1 FY26-27
Corporate Agents – Banks premium(size)1179 ₹ lakh26151 ₹ lakhQ1 FY26-27
motor od incurred claims ratio103.3 %89.0 %Q1 FY26-27
fire incurred claims ratio77.0 %60.0 %Q1 FY26-27
govt + approved securities(size)41.7 %40.0 %Q1 FY26-27
Web Aggregators policies(size)15 count451 countQ1 FY26-27
debt to equity ratio-0.20 ×0.08 ×Q1 FY26-27
solvency ratio-1.22 ×1.84 ×Q1 FY26-27
marine hull incurred claims ratio151.1 %100.0 %Q1 FY26-27
fire segment premium(size)47154 ₹ lakh76072 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)4516 count239087 countQ1 FY26-27
Brokers premium(size)172211 ₹ lakh350032 ₹ lakhQ1 FY26-27
government securities(size)1219327 INR_lakhs1535427 INR_lakhsQ1 FY26-27
marine hull combined ratio195.6 %-501.0 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)156008 count531281 countQ1 FY26-27
Brokers policies(size)1425107 count1680361 countQ1 FY26-27
liability combined ratio50.7 %68.0 %Q1 FY26-27
debentures & bonds(size)422924 INR_lakhs709686 INR_lakhsQ1 FY26-27
book value per share(size)-4.87 ₹67.70 ₹Q1 FY26-27
motor tp combined ratio165.4 %115.0 %Q1 FY26-27
equity & preference shares(size)1314528 INR_lakhs679771 INR_lakhsQ1 FY26-27
Web Aggregators premium(size)0 ₹ lakh78 ₹ lakhQ1 FY26-27
crop incurred claims ratio47.9 %128.0 %Q1 FY26-27
liability incurred claims ratio7.3 %113.0 %Q1 FY26-27
operating profit ratio-12.8 %4.0 %Q1 FY26-27
MISP (Direct) policies(size)1896 count208206 countQ1 FY26-27
npa provision coverage100.0 %0.0 %Q1 FY26-27
net retention ratio(size)85.1 %59.0 %Q1 FY26-27
MISP (Direct) premium(size)264 ₹ lakh9417 ₹ lakhQ1 FY26-27
aviation segment premium(size)2043 ₹ lakh9368 ₹ lakhQ1 FY26-27
aviation incurred claims ratio63.1 %32150.0 %Q1 FY26-27
marine cargo incurred claims ratio99.9 %121.0 %Q1 FY26-27
motor tp incurred claims ratio124.7 %59.0 %Q1 FY26-27
Corporate Agents – Others policies(size)11710 count716768 countQ1 FY26-27
net yield (quarterly)7.06 %1.63 %Q1 FY26-27
investment income ratio9.8 %2.0 %Q1 FY26-27
travel segment premium(size)0 ₹ lakh15212 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)7.8 %34.0 %Q1 FY26-27
workmen's compensation incurred claims ratio44.0 %50.0 %Q1 FY26-27
expense ratio to gross premium31.8 %32.0 %Q1 FY26-27
Individual Agents policies(size)1329274 count692010 countQ1 FY26-27
technical reserves to premium ratio(size)913.0 %6.0 %Q1 FY26-27
crop insurance segment premium(size)1217 ₹ lakh5 ₹ lakhQ1 FY26-27
incurred claims ratio98.9 %74.0 %Q1 FY26-27
central govt. securities(size)21.2 %22.0 %Q1 FY26-27
combined ratio134.4 %111.0 %Q1 FY26-27
marine cargo combined ratio136.8 %147.0 %Q1 FY26-27
Corporate Agents – Others premium(size)943 ₹ lakh29694 ₹ lakhQ1 FY26-27
expense ratio35.4 %37.0 %Q1 FY26-27
gross npa (amount)21708 INR_lakhs0 INR_lakhsQ1 FY26-27
real estate & subsidiaries(size)17 INR_lakhs37531 INR_lakhsQ1 FY26-27
other investments(size)60405 INR_lakhs238487 INR_lakhsQ1 FY26-27
personal accident combined ratio86.1 %83.0 %Q1 FY26-27
engineering segment premium(size)13903 ₹ lakh15485 ₹ lakhQ1 FY26-27
crop combined ratio76.4 %-570.0 %Q1 FY26-27
net earning ratio-13.5 %5.0 %Q1 FY26-27
underwriting balance ratio-36.0 %-0.2 %Q1 FY26-27
profit after tax(size)-496 ₹ crore195 ₹ croreQ1 FY26-27
housing & infrastructure(size)16.8 %16.0 %Q1 FY26-27
motor OD segment premium(size)43901 ₹ lakh123579 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)825 count33859 countQ1 FY26-27
claim settlement ratio52.7 %80.2 %Q1 FY26-27 / FY24-25
personal accident segment premium(size)39683 ₹ lakh6838 ₹ lakhQ1 FY26-27
personal accident incurred claims ratio60.1 %60.0 %Q1 FY26-27
engineering combined ratio89.1 %171.0 %Q1 FY26-27
profit before tax(size)-496 ₹ crore261 ₹ croreQ1 FY26-27
marine cargo segment premium(size)5029 ₹ lakh25413 ₹ lakhQ1 FY26-27
infrastructure & housing(size)255830 INR_lakhs755625 INR_lakhsQ1 FY26-27
workmen's compensation combined ratio90.3 %86.0 %Q1 FY26-27
health incurred claims ratio105.3 %82.0 %Q1 FY26-27
workmen's compensation segment premium(size)1526 ₹ lakh2435 ₹ lakhQ1 FY26-27
gross yield (quarterly)10.69 %2.18 %Q1 FY26-27
available solvency margin(size)-557749 ₹ lakh651816 ₹ lakhQ1 FY26-27
health segment premium(size)149925 ₹ lakh184202 ₹ lakhQ1 FY26-27
motor TP segment premium(size)91131 ₹ lakh131029 ₹ lakhQ1 FY26-27
health combined ratio137.6 %101.0 %Q1 FY26-27
fire combined ratio117.0 %79.0 %Q1 FY26-27
aviation combined ratio94.9 %32275.0 %Q1 FY26-27
required solvency margin(size)456132 ₹ lakh353769 ₹ lakhQ1 FY26-27
engineering incurred claims ratio48.6 %173.0 %Q1 FY26-27
gross direct premium to net worth ratio(size)-92.00 ×97.00 ×Q1 FY26-27
motor od combined ratio141.0 %138.0 %Q1 FY26-27
marine hull segment premium(size)3347 ₹ lakh588 ₹ lakhQ1 FY26-27
liability segment premium(size)7861 ₹ lakh33611 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)11084 ₹ lakh43612 ₹ lakhQ1 FY26-27
net commission ratio(size)10.7 %20.0 %Q1 FY26-27
Insurance Marketing Firm premium(size)231 ₹ lakh3905 ₹ lakhQ1 FY26-27
net yield (annualized)7.91 %5.81 %Q4 FY25-26
gross yield (annualized)11.98 %7.80 %Q4 FY25-26
gross written premium(size)16833 ₹ crore17703 ₹ croreFY25-03
claims repudiation ratio4.68 %2.80 %FY24-25

Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.

Individual profiles

National Insurance Company
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Tata AIG General Insurance
All IRDAI metrics →

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